Enhanced WorldCare - Member FAQ

  • Why is my plan being upgraded?

    Now Health is continuously looking for ways to improve our global healthcare proposition and often reviews the structure and terms of our plans.

    Following the launch of our enhanced WorldCare plans three years ago, we have now taken the decision to discontinue our original WorldCare plans and upgrade all members still on one of these plans to our new, enhanced version. 

  • When will my plan be upgraded?

    Your plan will be upgraded to enhanced WorldCare at your renewal. 

  • How does enhanced WorldCare differ from my original plan?

    Our enhanced plans offer you the same great cover and standard of service you know, but with a number of added benefits including:

     Increased benefit limits, including diagnostic procedures, renal treatment, chronic conditions and routine maternity (depending on your plan)

    ✓ A new simple annual deductible to better manage your healthcare costs, and which could help to lower your premium (Annual deductibles are not available to Insured Persons with residence visas in the Emirates of Dubai or Abu Dhabi)

    ✓ New added value services including second medical opinion, travel assistance, and global concierge for overseas treatment

  • Will my plan and benefits change?

    There will be some changes to your plan and benefits as a result of the upgrade to enhanced WorldCare, including an increase in some benefit limits such as for diagnostic procedures, renal treatment and maintenance of chronic conditions. These will vary depending on which plan you have. 

    More information can be found in the Plan and Benefit Changes flyer that will be sent with your renewal quotation, and which can also be viewed via the links below. Please refer to the relevant two letter prefix of your membership number. 

  • Will my premium change?

    Your renewal premium may be impacted by a range of factors including:

    • the transfer to enhanced WorldCare (in some cases your base premium may be lower as a result of the new Annual Deductible structure);
    • your age;
    • the cost of medical care in your region; and
    • and whether you qualify for any dicscounts. 

    If you have any queries about your renewal premium, you can contact your Intermediary if you have one, or our Customer Service Team.

  • What action do I need to take to upgrade?

    There is no need for you to take any action. You will shortly receive your renewal invitation from us with further details about your enhanced WorldCare plan.

    All you need to do is confirm your renewal with us in the usual way, and we'll take care of the rest. 

  • Will the way I use my plan and make claims change?

    No. Your enhanced WorldCare plan will still be administered by Now Health International, so you can continue to use and access your plan in the same way.

    That means the same online claims processes, the same secure online portfolio and smartphone App, access to the same medical provider network, and the same Customer Service team on hand to help 24/7.

  • Will your contact numbers change?

    No. You can continue to contact our team in the usual way.

    Our contact number and email addresses will remain the same and can be found on our website hereDon’t forget you can also now WhatsApp us. 

  • What is an Annual Deductible? How does this differ from a per medical condition excess?

    The Annual Deductible replaces the per medical condition excess, and applies to In-/Day-Patient treatment.

    If you select an Annual Deductible (i.e. not nil) it means that if you do need to seek treatment, you only have to pay the deductible amount once a year towards your medical treatment, rather than every time you seek treatment for a new medical condition.

    The Annual Deductible also gives you greater flexibility to keep your cover affordable, as a higher deductible will mean a lower premium.

  • What are the new added value services I get with enhanced WorldCare?

    At Now Health we think it’s important to support you with your overall health and wellbeing. That’s why we offer a range of added value services in addition to your core plan protection, so you know we’re there for you, every step of the way.

    Travel Assistance

    We know our globally mobile members frequently travel abroad, both for work and pleasure. To help provide you with the protection you need when you travel, we offer a travel assistance service. With our partner Assist Amercia we offer a range of services including:

    • Pre-trip information
    • Emergency prescription service if you forget your medicine while abroad
    • Support for you and your family should you fall ill abroad, including care of elderly or minor children
    • Early trip return in the event of an emergency
    • Lost luggage assistance
    • Legal and interpreter assistance


    Second Medical Opinion

    A second medical opinion can help provide reassurance, particularly for those who are uncertain about their diagnosis, have a complex condition, or are unsure about what treatment plan to choose. Leveraging our extensive network of medical experts worldwide, we provide our members with a second medical opinion service to help ensure you get the right diagnosis and the right treatment.

    Global Concierge Service

    As an international health insurance provider, we recognise that many of our members may choose to seek treatment overseas, away from their home country. To help make this process easier for you, we provide concierge support to help you manage the process. This includes:

    • Recommending where to get treatment
    • Support to book medical appointments
    • Appointment reminders
    • Placing guarantees of payment with the hospital, including in an emergency, so you don’t need to pay upfront
    • Support with arranging medical visas as and when required